The Savings Bank

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Need to hire a general contractor to help you with remodeling projects?

If possible, get recommendations from friends, family or neighbors.
Many states have online resources to help identified qualified and recommended contractors.
Contact and speak with with several potential contractors.
Make sure the contractor is licensed.
Check to make sure the contractor is insured. This insurance should cover workers compensation, personal injury and property damage.
Request the names and phone numbers of their last two or three customers.
If possible, examine any projects the contractor has completed.
Ask for a formal bid on your project from each contractor you are considering.
Ask if your contractor will be managing other projects at the same time as yours.
When you select a contractor, ask for copies of their license and insurance for your records.
Make sure you have required building permits from your city. This is responsibility of home owner, not contractor.

WELCOME TO THE SAVINGS BANK a real community bank committed to providing our customers with smart banking solutions. With five locations and a history that dates back to 1912, we arent just in the community, were part of the community.
Making the wisest financial decisions isnt always easy. There are dozens of financial institutions offering numerous products and services. Our banking team offers intelligence, and has a genuine desire to build long-term relationships with our customers. We can match every customer with the right banking products because we take time to get to know each of them. Thats SmartBanking!

Awarded Bauerfinancial's 5-star rating for 77 consecutive quarters.

Mortgage Payment Calculations:
This calculator is for illustrative and comparative purposes only. We do not guarantee that calculations are accurate. The Savings Bank rates and terms are subject to change as market conditions change. Please contact us to verify the current rates and terms available. Always consult your accountant or a professional advisor before making personal financial decisions.

This payment covers principal and interest, taxes and insurances may vary.
In this calculation, the original amount of the loan is paid off over the life of the loan. In other words, the principal is amortized.
Under a fixed-rate mortgage loan, this monthly payment will not change over the life of the loan.
Under an adjustable-rate mortgage, this monthly payment is subject to change, as mortgage rates change over time.
The amortization tables show the balance outstanding on the mortgage loan at the end of the month or year, as selected.
Estimates on the Yearly Amortization Table reflect the anniversary of the mortgage loan rather than the calendar years.

FDIC Transaction Account Guarantee Program
The Savings Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.